Credit union · NCUA insured
TruChoice Federal Credit Union
Top CarrotA $253.6M credit union headquartered in South Portland, ME, with 12,579 members and 3 branches in Maine. Best rates: CDs 4.00% and savings 0.90% APY.
TruChoice Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#13 of 39 in Portland, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About TruChoice Federal Credit Union
- Headquarters
- 332 Cummings Rd, South Portland, ME 04106
- NCUA charter
- 10100
Branches
3 branches in Maine
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Maine
3 branches
- Biddeford Branch6 Barra Rd, Biddeford, ME 04005Directions
- Buxton Branch779 Narragansett Trl, Buxton, ME 04093Directions
- Park Ave Branch272 Park Ave, Portland, ME 04102Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.09% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.72% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.16% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $90 | $76 | — |
- CapitalNet worth ratio11.09%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.72%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.16%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$90Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of TruChoice Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.